State credit union · Golden, Colorado · NCUA charter #64913
On Tap
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $419.6M
- Total assets
- 19,350
- Members
- 9.2%
- Net-worth ratio
On Tap scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $419.6M; members 19,350; net-worth ratio 9.16%; health rank #2,476 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,476 of 4,374 health · 2025Q4On Tap · health 82/100 · $419.6M · 2025Q4
- NW 82/100
- DELQ 9.2%
- ROA 1.05%
- ASSETS 0.16%
- MEM $419.6M
- RANK 19,350
- PHOTO #2,476/4,374
- BOOK Rocky Mountain
- CHARTER 64913
Call Report peers
On Tap in the assets neighbourhood
On Tap's $419.6M assets sit next to Rocky Mountain ($419.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
On Tap vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
On Tap - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64913, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for On Tap
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.26 pp (87.46% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.16% vs peer 12.11% (-2.95 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
On Tap: in-state Call Report ranks
- Health composite ranks #37 of 66 among scored Colorado credit unions.
- By total assets, On Tap is #13 of 66 in Colorado.
- Colorado membership ordinal: #14 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How On Tap's 5300 filing moved
On Tap: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.9% from $419.6M (2025Q4) to $457.0M (2026Q1).
- Net-worth ratio shifted -0.33 pp (9.49% → 9.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 19.6 pts
- Return on Assets 9.9 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.7 pts
On Tap health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.16% | -2.95 pp |
| Delinquency Rate | 1.05% | +0.16 pp |
| Return on Assets | 0.16% | -0.46 pp |
| Member Growth | 0.75% | - |
| Loan-to-Share Ratio | 87.46% | +15.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - On Tap
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $457.0M | - |
| 2025Q4 | $419.6M | 19,350 |
| 2024Q4 | $384.8M | 19,206 |
| 2023Q4 | $394.6M | 19,061 |
Credit Union Details
- Charter Number
- 64913
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Golden
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, On Tap runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Coors CU - Admin (Main Office) | Golden, CO |
| Coors CU - Arvada | Arvada, CO |
| Coors CU - Golden | Golden, CO |
| CO-OP Shared Branch locations | Golden, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
On Tap's nationwide photo peers by assets and by health score, excluding Colorado charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($419.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- On Tap ranks #2,476 of 4,374 nationally on financial health and #37 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Denver Community Cu D.B.a. Zing Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Denver Community Cu D.B.a. Zing Cu
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is On Tap financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, On Tap carries a financial health score of 82/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,476 of 4,374; by total assets it ranks #834 of 4,374 nationally (same basis as /rankings/largest); and #13 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.16% net worth ratio and a 1.05% delinquency rate.
How does On Tap compare to other credit unions?
On PlainCU's health composite, On Tap lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join On Tap?
Membership eligibility for On Tap depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact On Tap directly for current membership requirements and application steps.
Is my money safe at On Tap?
Federal credit unions like On Tap are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. On Tap's net worth ratio of 9.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does On Tap offer compared to banks?
Credit unions like On Tap are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact On Tap directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.